550 Summer Ave, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 550 Summer Ave, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,893 sqft · built 1964
Lot Size	0.796 acres (34,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Dec 2019)
Tax Bill	$8,614 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20000000017A`

Property Details

APN / Parcel Number

Primary APN	`20000000017A`
Alternative APNs	`READ M:008.0-0000-0113.0` `M:008.0=0000=0113.0` `200000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,893 sqft Living Area
Gross Area	3,633 sqft
1st Floor Area	1,505 sqft
Basement Area	1,352 sqft
Unfinished Basement	811 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,682 sqft (0.796 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	20000000017A
Street Address	550 SUMMER AVE
City	READING
State	MA
Zip	01867-4032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3005
Census Tract	334400

Owner

Source: Middlesex County and Reading Town records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	550 SUMMER AVE, READING, MA 01867-4032
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage FALL RIVER FIVE CENTS SAVINGS BANK
Sep 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC
Dec 10, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2019 · Amount on Record
Deed Sale	Dec 10, 2019 · Amount on Record
Prior Sale	Feb 20, 1987 · Amount on Record
Deed Document Number	20195004
Deed Book / Page	73798 / 173
Transfer Doc	51641-440
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	550 SUMMER AVE, READING, MA 01867-4032
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084610-368
Date	Sep 15, 2025
Book Page	84610/368
Instrument	110882

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	550 SUMMER AVE, READING, MA 01867-4032
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75657-32
Date	Sep 18, 2020
Book Page	75657/32
Instrument	165499

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Dec 10, 2019
Property Address	550 SUMMER AVE, READING, MA 01867-4032
Document Number	73798-173
Book / Page	73798 / 173
Instrument Date	Dec 2, 2019
Instrument	195004
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 SUMMER AVE, READING, MA 01867-4032

Mortgage

Document Number	195005
Date	Dec 10, 2019
Instrument	195005

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Reading Town
Unified School District	Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,614.00 (+1.16%)	$756,300 (+4.1%) Land $471,800 Building $284,500	$803,225 (+7.15%)
2024	$8,515.00 (+3.24%)	$726,500 (+10.9%) Land $453,200 Building $273,300	$749,645
2023	$8,248.00	$655,100 Land $408,700 Building $246,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1982–1996)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 1996 · Extreme Weather Conditons And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	READING WATER DEPARTMENT (MWRA) serves 26,262 people · EPA ID MA3246000
Water Source	Purchased surface water from MWRA
Last State Inspection	Nov 2023
Lead	8 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli not recorded as resolved · Oct 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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